‍What Are People Really Asking About Their Money?

When it comes to personal finance, the right answers start with the right questions. Across Scotland, individuals are turning to Independent Financial Advisers (IFAs) to help them navigate an ever-changing landscape of pensions, tax rules, investments, and inheritance planning.

Based on the topics people are actively searching for, we’ve rounded up the most common questions, and provided clear, actionable answers to help you take control of your finances.

Top Financial Questions Our Clients Are Asking

1. How can I make sure I have enough for retirement?

With rising living costs and uncertainty about state pensions, many clients worry about whether they’re saving enough. Key Tip: Review your pension contributions regularly and use projections to check if you’re on track.

2. How can I reduce my tax bill legally?

From income tax to capital gains, tax efficiency is a hot topic. Key Tip: Utilise ISAs, pensions, and other tax-efficient wrappers. Regular tax planning can save thousands.

3. Is property still a good investment in Scotland?

While property has long been seen as a safe bet, changing market conditions have led to new risks. Key Tip: Diversify beyond property and ensure your investments match your risk tolerance.

4. How do I pass wealth on to my family without unnecessary tax?

Inheritance tax is often misunderstood - but with the right planning, you can protect more of your estate. Key Tip: Consider gifting strategies, trusts, and using allowances effectively.

5. Should I manage my investments myself or get advice?

The rise of online investing has made DIY strategies more popular - but they’re not for everyone. Key Tip: Advice can add measurable value when it comes to complex areas like estate planning or tax.

Why These Questions Matter

These aren’t just abstract queries, they’re the key to building a secure financial future. Each decision you make today, from how you invest to how you structure your estate, has long-term consequences.

How Sterling Wealth Helps You Find the Right Answers

At Sterling Wealth, we believe there’s no one-size-fits-all solution. We provide:

• Personalised financial planning based on your goals
• Clear, jargon-free advice so you know exactly where you stand
• Proactive strategies to keep you ahead of tax and market changes

Whether you’re planning for retirement, reducing tax, or safeguarding your wealth, we’re here to help.

The right advice starts with the right questions - and the right adviser.

‍